## Reading layer `DEPARTMENTS' from data source
## `C:\Users\benji\Desktop\projet_actuariat_non_vie\data\DEPARTEMENTS\DEPARTMENTS.shp'
## using driver `ESRI Shapefile'
## Simple feature collection with 96 features and 1 field
## Geometry type: MULTIPOLYGON
## Dimension: XY
## Bounding box: xmin: 99217.1 ymin: 6049680 xmax: 1242375 ymax: 7110480
## Projected CRS: RGF93 / Lambert-93
summary(data_freq)
## id_year id_policy drv_age1 drv_age_lic1
## Length:100000 Length:100000 Min. : 19.00 Min. : 0.00
## Class :character Class :character 1st Qu.: 43.00 1st Qu.:23.00
## Mode :character Mode :character Median : 54.00 Median :32.00
## Mean : 54.69 Mean :32.41
## 3rd Qu.: 65.00 3rd Qu.:41.00
## Max. :100.00 Max. :72.00
##
## drv_sex1 drv_age2 drv_age_lic2 drv_sex2
## Length:100000 Min. : 0.00 Min. : 0.000 Length:100000
## Class :character 1st Qu.: 0.00 1st Qu.: 0.000 Class :character
## Mode :character Median : 0.00 Median : 0.000 Mode :character
## Mean :15.62 Mean : 8.979
## 3rd Qu.:34.00 3rd Qu.:14.000
## Max. :97.00 Max. :79.000
##
## drv_drv2 id_client vh_age vh_cyl
## Length:100000 Length:100000 Min. : 1.000 Min. : 0
## Class :character Class :character 1st Qu.: 4.000 1st Qu.:1360
## Mode :character Mode :character Median : 8.000 Median :1587
## Mean : 9.533 Mean :1646
## 3rd Qu.:13.000 3rd Qu.:1910
## Max. :63.000 Max. :6997
##
## vh_din vh_fuel vh_make vh_model
## Min. : 13.00 Length:100000 Length:100000 Length:100000
## 1st Qu.: 68.00 Class :character Class :character Class :character
## Median : 89.00 Mode :character Mode :character Mode :character
## Mean : 91.41
## 3rd Qu.:109.00
## Max. :555.00
##
## vh_sale_begin vh_sale_end vh_speed vh_type
## Min. : 1.00 Min. : 1.000 Min. : 25.0 Length:100000
## 1st Qu.: 6.00 1st Qu.: 4.000 1st Qu.:157.0 Class :character
## Median :10.00 Median : 7.000 Median :170.0 Mode :character
## Mean :11.63 Mean : 8.656 Mean :170.8
## 3rd Qu.:15.00 3rd Qu.:12.000 3rd Qu.:185.0
## Max. :74.00 Max. :55.000 Max. :310.0
##
## vh_value vh_weight id_vehicle pol_bonus
## Min. : 0 Min. : 0 Length:100000 Min. :0.5000
## 1st Qu.: 11950 1st Qu.: 950 Class :character 1st Qu.:0.5000
## Median : 16297 Median :1130 Mode :character Median :0.5000
## Mean : 18064 Mean :1128 Mean :0.5375
## 3rd Qu.: 22150 3rd Qu.:1320 3rd Qu.:0.5000
## Max. :155498 Max. :3500 Max. :1.6500
##
## pol_coverage pol_duration pol_sit_duration pol_pay_freq
## Length:100000 Min. : 1.00 Min. : 1.000 Length:100000
## Class :character 1st Qu.: 4.00 1st Qu.: 1.000 Class :character
## Mode :character Median : 9.00 Median : 2.000 Mode :character
## Mean :11.08 Mean : 2.748
## 3rd Qu.:16.00 3rd Qu.: 3.000
## Max. :41.00 Max. :25.000
##
## pol_payd pol_usage pol_insee_code DEP
## Length:100000 Length:100000 Length:100000 Length:100000
## Class :character Class :character Class :character Class :character
## Mode :character Mode :character Mode :character Mode :character
##
##
##
##
## REG REG_LABEL departement densite
## Min. :11.0 Length:100000 Length:100000 Min. : 15
## 1st Qu.:28.0 Class :character Class :character 1st Qu.: 79
## Median :52.0 Mode :character Mode :character Median : 158
## Mean :52.2 Mean : 1186
## 3rd Qu.:76.0 3rd Qu.: 239
## Max. :94.0 Max. :20720
##
## bonus drv_age1_G1 drv_age1_G2 drv_age1_G3
## Length:100000 (50,60]:23886 (50,55]:12478 (17,25] : 1490
## Class :character (40,50]:21074 (60,65]:11425 (25,45] :27713
## Mode :character (60,70]:19130 (55,60]:11408 (45,65] :46508
## (30,40]:14552 (45,50]:11197 (65,80] :19937
## (70,80]:12232 (40,45]: 9877 (80,100]: 4352
## (20,30]: 4604 (35,40]: 8883
## (Other): 4522 (Other):34732
## drv_age_lic1_G drv_age2_G1 drv_age2_G2 drv_age2_G3
## (-1,3] : 354 (30,40]: 7314 (35,40]: 4181 (17,25] : 3601
## (3,5] : 484 (40,50]: 6480 (17,25]: 3601 (25,45] :13006
## (5,100]:99162 (50,60]: 5840 (40,45]: 3465 (45,65] :11796
## (60,70]: 4904 (30,35]: 3133 (65,80] : 4311
## (20,30]: 4843 (50,55]: 3109 (80,100]: 559
## (Other): 3892 (Other):15784 NA's :66727
## NA's :66727 NA's :66727
## drv_age_lic2_G vh_age_G1 vh_age_G2 vh_age_G3
## (-1,3] :69345 (-1,0] : 0 (-1,10] :62097 (10,100]:37903
## (3,5] : 1012 (0,5] :33160 (10,20] :30682 (1,2] : 7631
## (5,100]:29643 (5,100]:66840 (20,100]: 7221 (0,1] : 6805
## (2,3] : 6471
## (5,6] : 6344
## (3,4] : 6145
## (Other) :28701
## vh_value_G1 vh_value_G2 vh_value_G3
## (1e+04,2e+04]:54088 (-1,5e+04] :99225 (-1,1e+04] :12430
## (2e+04,3e+04]:25512 (5e+04,1e+05]: 744 (1e+04,2e+04]:54088
## (-1,1e+04] :12430 (1e+05,Inf] : 31 (2e+04,3e+04]:25512
## (3e+04,4e+04]: 5904 (3e+04,4e+04]: 5904
## (4e+04,5e+04]: 1291 (4e+04,5e+04]: 1291
## (5e+04,6e+04]: 514 (5e+04,Inf] : 775
## (Other) : 261
## risk_class risk_class_G vh_cyl_G vh_make_G Ldensite
## Min. : 1.496 1:20130 1:42919 Length:100000 Min. :2.708
## 1st Qu.: 4.600 2:19879 2:57081 Class :character 1st Qu.:4.369
## Median : 5.257 3:20318 Mode :character Median :5.063
## Mean : 8.304 4:19750 Mean :5.284
## 3rd Qu.: 6.105 5:19923 3rd Qu.:5.476
## Max. :180.565 Max. :9.939
##
## Lvh_value Lvh_weight Lvh_cyl claim_nb
## Min. : -Inf Min. : -Inf Min. : -Inf Min. :0.0000
## 1st Qu.: 9.388 1st Qu.:6.856 1st Qu.:7.215 1st Qu.:0.0000
## Median : 9.699 Median :7.030 Median :7.370 Median :0.0000
## Mean : -Inf Mean : -Inf Mean : -Inf Mean :0.1336
## 3rd Qu.:10.006 3rd Qu.:7.185 3rd Qu.:7.555 3rd Qu.:0.0000
## Max. :11.954 Max. :8.161 Max. :8.853 Max. :5.0000
##
summary(data_claims)
## id_policy id_client id_vehicle id_year
## Length:12921 Length:12921 Length:12921 Length:12921
## Class :character Class :character Class :character Class :character
## Mode :character Mode :character Mode :character Mode :character
##
##
##
##
## id_claim claim_amount claim_nb Lclaim_amount
## Length:12921 Min. : 0.02 Min. :1 Min. :-3.912
## Class :character 1st Qu.: 114.43 1st Qu.:1 1st Qu.: 4.740
## Mode :character Median : 358.65 Median :1 Median : 5.882
## Mean : 989.46 Mean :1 Mean : 5.809
## 3rd Qu.: 1097.49 3rd Qu.:1 3rd Qu.: 7.001
## Max. :164858.62 Max. :1 Max. :12.013
##
## drv_age1 drv_age_lic1 drv_sex1 drv_age2
## Min. :19.00 Min. : 1.0 Length:12921 Min. : 0.00
## 1st Qu.:43.00 1st Qu.:23.0 Class :character 1st Qu.: 0.00
## Median :54.00 Median :32.0 Mode :character Median : 0.00
## Mean :54.34 Mean :32.1 Mean :15.34
## 3rd Qu.:65.00 3rd Qu.:41.0 3rd Qu.:34.00
## Max. :96.00 Max. :67.0 Max. :97.00
##
## drv_age_lic2 drv_sex2 drv_drv2 vh_age
## Min. : 0.000 Length:12921 Length:12921 Min. : 1.000
## 1st Qu.: 0.000 Class :character Class :character 1st Qu.: 3.000
## Median : 0.000 Mode :character Mode :character Median : 7.000
## Mean : 8.788 Mean : 7.618
## 3rd Qu.:14.000 3rd Qu.:11.000
## Max. :79.000 Max. :59.000
##
## vh_cyl vh_din vh_fuel vh_make
## Min. : 425 Min. : 17.00 Length:12921 Length:12921
## 1st Qu.:1397 1st Qu.: 70.00 Class :character Class :character
## Median :1595 Median : 90.00 Mode :character Mode :character
## Mean :1688 Mean : 96.49
## 3rd Qu.:1975 3rd Qu.:111.00
## Max. :5000 Max. :510.00
##
## vh_model vh_sale_begin vh_sale_end vh_speed
## Length:12921 Min. : 1.000 Min. : 1.000 Min. : 85.0
## Class :character 1st Qu.: 5.000 1st Qu.: 2.000 1st Qu.:160.0
## Mode :character Median : 9.000 Median : 6.000 Median :174.0
## Mean : 9.504 Mean : 6.859 Mean :174.2
## 3rd Qu.:13.000 3rd Qu.:10.000 3rd Qu.:188.0
## Max. :60.000 Max. :53.000 Max. :310.0
##
## vh_type vh_value vh_weight pol_bonus
## Length:12921 Min. : 940 Min. : 0 Min. :0.5000
## Class :character 1st Qu.: 13250 1st Qu.:1010 1st Qu.:0.5000
## Mode :character Median : 18000 Median :1180 Median :0.5000
## Mean : 19385 Mean :1169 Mean :0.5426
## 3rd Qu.: 23500 3rd Qu.:1345 3rd Qu.:0.5000
## Max. :114900 Max. :3060 Max. :1.6500
##
## pol_coverage pol_duration pol_sit_duration pol_pay_freq
## Length:12921 Min. : 1.00 Min. : 1.000 Length:12921
## Class :character 1st Qu.: 4.00 1st Qu.: 1.000 Class :character
## Mode :character Median : 9.00 Median : 2.000 Mode :character
## Mean :10.91 Mean : 2.651
## 3rd Qu.:16.00 3rd Qu.: 3.000
## Max. :41.00 Max. :23.000
##
## pol_payd pol_usage pol_insee_code DEP
## Length:12921 Length:12921 Length:12921 Length:12921
## Class :character Class :character Class :character Class :character
## Mode :character Mode :character Mode :character Mode :character
##
##
##
##
## REG REG_LABEL departement densite
## Min. :11.00 Length:12921 Length:12921 Min. : 15
## 1st Qu.:28.00 Class :character Class :character 1st Qu.: 83
## Median :52.00 Mode :character Mode :character Median : 160
## Mean :51.83 Mean : 1147
## 3rd Qu.:76.00 3rd Qu.: 253
## Max. :94.00 Max. :20720
##
## bonus drv_age1_G1 drv_age1_G2 drv_age1_G3
## Length:12921 (50,60]:3083 (50,55]:1641 (17,25] : 199
## Class :character (40,50]:2819 (45,50]:1469 (25,45] :3686
## Mode :character (60,70]:2416 (60,65]:1453 (45,65] :6005
## (30,40]:1913 (55,60]:1442 (65,80] :2503
## (70,80]:1540 (40,45]:1350 (80,100]: 528
## (20,30]: 598 (35,40]:1167
## (Other): 552 (Other):4399
## drv_age_lic1_G drv_age2_G1 drv_age2_G2 drv_age2_G3 drv_age_lic2_G
## (-1,3] : 46 (30,40]:1004 (35,40]: 565 (17,25] : 468 (-1,3] :9023
## (3,5] : 67 (40,50]: 790 (17,25]: 468 (25,45] :1697 (3,5] : 127
## (5,100]:12808 (50,60]: 744 (30,35]: 439 (45,65] :1473 (5,100]:3771
## (20,30]: 621 (40,45]: 433 (65,80] : 516
## (60,70]: 601 (50,55]: 392 (80,100]: 83
## (Other): 477 (Other):1940 NA's :8684
## NA's :8684 NA's :8684
## vh_age_G1 vh_age_G2 vh_age_G3 vh_value_G1
## (-1,0] : 0 (-1,10] :9519 (10,100]:3402 (1e+04,2e+04]:6887
## (0,5] :5350 (10,20] :3059 (1,2] :1267 (2e+04,3e+04]:3877
## (5,100]:7571 (20,100]: 343 (0,1] :1154 (-1,1e+04] : 938
## (2,3] :1091 (3e+04,4e+04]: 893
## (5,6] : 977 (4e+04,5e+04]: 219
## (3,4] : 970 (5e+04,6e+04]: 68
## (Other) :4060 (Other) : 39
## vh_value_G2 vh_value_G3 risk_class risk_class_G
## (-1,5e+04] :12814 (-1,1e+04] : 938 Min. : 1.496 1:2217
## (5e+04,1e+05]: 101 (1e+04,2e+04]:6887 1st Qu.: 4.718 2:2302
## (1e+05,Inf] : 6 (2e+04,3e+04]:3877 Median : 5.385 3:2861
## (3e+04,4e+04]: 893 Mean : 8.608 4:2833
## (4e+04,5e+04]: 219 3rd Qu.: 6.120 5:2708
## (5e+04,Inf] : 107 Max. :180.565
##
## vh_cyl_G vh_make_G Ldensite Lvh_value Lvh_weight
## 1:5092 Length:12921 Min. :2.708 Min. : 6.846 Min. : -Inf
## 2:7829 Class :character 1st Qu.:4.419 1st Qu.: 9.492 1st Qu.:6.918
## Mode :character Median :5.075 Median : 9.798 Median :7.073
## Mean :5.285 Mean : 9.789 Mean : -Inf
## 3rd Qu.:5.533 3rd Qu.:10.065 3rd Qu.:7.204
## Max. :9.939 Max. :11.652 Max. :8.026
##
## Lvh_cyl
## Min. :6.052
## 1st Qu.:7.242
## Median :7.375
## Mean :7.400
## 3rd Qu.:7.588
## Max. :8.517
##
1- Etude de la frequence
##
## 0 1 2 3 4 5
## 0.87978 0.10806 0.01109 0.00097 0.00006 0.00004
2- Etude de la severite
## Min. 1st Qu. Median Mean 3rd Qu. Max.
## 0.02 114.43 358.65 989.46 1097.49 164858.62








## character(0)

## [1] 0.150000000 0.004525166
## [1] 0.200000000 0.008143045
## [1] 0.25000000 0.01312342
## [1] 0.3000000 0.0197045
## [1] 0.3500000 0.0281318
## [1] 0.40000000 0.03873246
## [1] 0.45000000 0.05197627
## [1] 0.50000000 0.06827136
## [1] 0.55000000 0.08843136
## [1] 0.6000000 0.1135482
## [1] 0.6500000 0.1450381
## [1] 0.7000000 0.1841673
## [1] 0.7500000 0.2330407
## [1] 0.8000000 0.2960661
## [1] 0.850000 0.377503
## [1] 0.9000000 0.4869566
## [1] 0.9500000 0.6437917






